UNION WHO FACE THE RISK OF
Clear already that the risks that surround us. Every person and every organization can suffer losses. However, because no two people, families, companies or other similar unity, then the problem risks and handling is also different for each case. It is obvious it is not possible to discuss all the risks faced by each person and how to solve it. But we can group those who face a risk of it IE: families, and companies.
Families can suffer personal risk, the risk of property, liability and risk to sue.
Personal risks include died young, disability, retirement and unemployment. But not the personal risk that can befall a family, but also a risk of loss of property. The risk of this treasure of an awful lot of that stuff, but can be divided into two, namely declining or lost value wealth, and decreased or loss of opportunity to use the treasure obtained from that person. An example of this is the risk of loss of wealth: the House can be damaged or destroyed by the typhoons, fires, and other disasters. This car is probably a collision, on fire, stolen or damaged people. Goods delivered may be missing or damaged. Deposit money in the bank might be missing because the bank was insolvent or panic in capital markets. A family can also have risks because of the negligence of a member of his family to become a responsibility against injury or damage to property of others.
Company
The company may also be exposed to personal risk, risk of loss of property and liability risks plaintiff. A loss-loss can either be dropped or lost income, increased costs, or depletion of assets. Some of these companies risk similar or identical to risk family, good form as well as its influence.
Died or disabled his main employees can lead to huge losses for the company. If an employee contributed to the success of the company, then the death of employees may result in decreased or loss of profit of the company. If a firm died, then the firm would be dissolved and the word alive probably suffered not only the loss of income, but also a decline in infestations. If an employee or a word became disabled, the company not only suffer loss of income but also the obligation to continue paying employee salaries or the word that this flaw. In addition to the personal risk of key employees, companies get that portion of the risk of death or risk of the defects of the other officers must also bear its required by law or the agreement. The Act labor compensation for example in the United States require that employers are responsible for employee salaries and treatment of the injury or death in his work. The employer may also bear some burden of unemployment and retirement costs.
The company faced financial risk either directly or indirectly in respect of his or her possessions. Direct losses may be caused by various disasters. Many of these similar disaster with losses of property of the family but there are also different. Fires and other disasters can destroy the building and machinery and also the supply of goods. Dishonest employees might steal the company. Spy other companies is a serious risk for while the company. A competitive firm might use thousands if not millions of dollars to develop new ideas, new patterns, new style, and the new formula. The expected results of the study will be very slump when the results of the research it was stolen by another company. One company may also suffer losses when his debtors died or became disabled or can't afford their email account. Property outside the country may be taken over by a Government that is not friendly. For example, the Cuban Government seized approximately $ one billion American investment in the country in the 1960s. As well as on individuals, goods are delivered damaged, companies can also be destroyed or stolen. The treasure can be marred by hooligans, officials, or employees who are on strike. Riot strike and also reduce corporate earnings due to a cessation or decline in production.
Direct losses of property may be only a portion of all the losses suffered by the company in consequence of certain events. Direct property damage caused by a fire for example, the company may also hindered its operation or he only was able to continue his efforts and costs extra. In both these instances, the net income would decrease. If the property was leased on the other hand, the company was losing the lease anyway while the treasure can not be rented out due to damage or cause another disaster
Just like a family, a company can be held responsible for injury to the body or damage of property of another person. The risk is much greater on the company than the family because the company responsible for the activities of a large number of officers and agents as well as products and services in the selling.
